The Texas Projection Measure (TPM) has grown out of the state's need to meet the requirements of No Child Left Behind (NCLB). An examination of the state's method of predicting 8th grade mathematics scores reveals that several factors have been ignored in the process of developing the model, including assumptions in its underlying statistical…

The failure of students to repay federally insured loans has led to an increased emphasis on default prevention and threatens institutions with high default rates with exclusion from federal student aid programs. Prior studies of default prevention using theoretical constructs based on economics, sociology, and psychology have yielded mixed…